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Wilful Defaulters – RBI Guidelines for Banks
Rajesh Goyal
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Definition of Wilful Defaulter
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RBI Clarification issued on 9th September, 2014 : In view of references received from a few banks regarding scope/definition of "wilful default", it is clarified as follows:
· The term 'lender' appearing in the circular covers all banks/FIs to which any amount is due, provided it is arising on account of any banking transaction, including off balance sheet transactions such as derivatives, guarantee and Letter of Credit.
· The term 'unit' appearing therein has to be taken to include individuals, juristic persons and all other forms of business enterprises, whether incorporated or not. In case of business enterprises (other than companies), banks/FIs may also report (in the Director column) the names of those persons who are in charge and responsible for the management of the affairs of the business enterprise.
RBI Clarification issued on 9th September, 2014 (Paragraph 2.6 of the circular has been amended and now reads as under :
"While dealing with wilful default of a single borrowing company in a Group, the banks /FIs should consider the track record of the individual company, with reference to its repayment performance to its lenders. However, in cases where guarantees furnished by the companies within the Group on behalf of the wilfully defaulting units are not honoured when invoked by the banks /FIs, such Group companies should also be reckoned as wilful defaulters".
4. In connection with the guarantors, banks have raised queries regarding inclusion of names of guarantors who are either individuals (not being directors of the company) or non-group corporates in the list of wilful defaulters. It is advised that in terms of Section 128 of the Indian Contract Act, 1872, the liability of the surety is co-extensive with that of the principal debtor unless it is otherwise provided by the contract. Therefore, when a default is made in making repayment by the principal debtor, the banker will be able to proceed against the guarantor/surety even without exhausting the remedies against the principal debtor. As such, where a banker has made a claim on the guarantor on account of the default made by the principal debtor, the liability of the guarantor is immediate. In case the said guarantor refuses to comply with the demand made by the creditor/banker, despite having sufficient means to make payment of the dues, such guarantor would also be treated as a wilful defaulter. It is clarified that this would apply only prospectively and not to cases where guarantees were taken prior to this circular. Banks/FIs may ensure that this position is made known to all prospective guarantors at the time of accepting guarantees.
Limit for Reporting Purposes :
The above indicates that there is no minimum amount to declare a borrower as willful defaulter. However, for reporting purposes RBI has set certain limits.
(a) All cases of wilful default (non-suit filed accounts) with outstanding of Rs.25 lakh & above are required to be reported to RBI on quarterly basis only upto September 2014. However, in terms of Credit Information Companies (Regulation) Act, 2005, banks/FIs are advised to furnish the aforementioned data in respect of wilful defaulters (non-suit filed accounts) of Rs. 25 lakhs and above for the quarter ending December 31, 2014 to CICs and not to RBI. Thereafter, banks/FIs may continue to furnish data in respect of wilful defaulters to CICs on a monthly or a more frequent basis. This would enable such information to be available to the banks/FIs on a near real time basis.
(b) Banks/FIs should submit the list of suit-filed accounts of wilful defaulters of Rs.25 lakh and above as at end-March, June, September and December every year to a credit information company. [Certificate of Registration has been granted to (i) Experian Credit Information Company of India Private Limited, (ii) Equifax Credit Information Services Private Limited, (iii) High Mark Credit Information Services Private Limited and (iv) Credit Information Bureau (India) Limited (CIBIL) to commence/carry on the business of credit information.
Penal Action Against Whom ?
Keeping in view the present limit of Rs. 25 lakh fixed by the Central Vigilance Commission for reporting of cases of wilful default by the banks/FIs to RBI, any wilful defaulter with an outstanding balance of Rs. 25 lakh or more, would attract the penal measures stipulated by RBI in its circular.
Penal measures
The following measures are required to be initiated by the banks and FIs against the wilful defaulters as per RBI guidelines:
a) No additional facilities should be granted by any bank / FI to the listed wilful defaulters. In addition, the entrepreneurs / promoters of companies where banks / FIs have identified siphoning / diversion of funds, misrepresentation, falsification of accounts and fraudulent transactions should be debarred from institutional finance from the scheduled commercial banks, Development Financial Institutions, Government owned NBFCs, investment institutions etc. for floating new ventures for a period of 5 years from the date the name of the wilful defaulter is published in the list of wilful defaulters by the RBI.
b) The legal process, wherever warranted, against the borrowers / guarantors and foreclosure of recovery of dues should be initiated expeditiously. The lenders may initiate criminal proceedings against wilful defaulters, wherever necessary.
c) Wherever possible, the banks and FIs should adopt a proactive approach for a change of management of the wilfully defaulting borrower unit.
d) A covenant in the loan agreements, with the companies in which the banks / notified FIs have significant stake, should be incorporated by the banks / FIs to the effect that the borrowing company should not induct a person who is a promoter or director on the Board of a company which has been identified as a wilful defaulter.


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Autonomous robot to patrol gardens and kill weeds
Image credit: Franklin Robotics
A US robotics company has launched a crowdfunding campaign for a weatherproof, solar-powered robot, the Tertill (pronounced 'turtle'), which patrols gardens and kills weeds without the use of pesticides.
Massachusetts-based Franklin Robotics counts Joe Jones among its staff: the inventor of the autonomous vacuum cleaner, Roomba. Much like the attentive, systematic Roomba, the Tertill patrols a given area, and identifies undesirable objects: in this case, weeds.
Rather than processing complex visual information to identify weeds, the robot relies on low-tech capacitive sensors to determine whether the plants it trundles into are tall (not a weed) or short enough to fit underneath its body (a weed). When a weed has been identified, it uses a spinning nylon string trimmer to slice them near the ground.
Short or young plants can be surrounded by a protective collar, which Tertill can recognise and 'knows' to avoid.
The Tertill is shaped much like the round, floor-hugging Roomba; it is just 12cm tall and 21cm in diameter. It has four wheels angled outwards to widen its centre of gravity. This allows it to cover rough ground and travel up and down moderate slopes.
The fully autonomous Tertill is powered by solar cells mounted on its back, and can charge in the sunlight. It is intended to run every day to completely prevent weeds from thriving, although its activity is likely to be limited on days with little sunshine.
Franklin Robotics has launched a kickstarter campaign for the robot, and has already exceeded its target of $120,000. The Tertill's kickstarter page lists the device at $199, and its manufacturers estimate that it could become widely available by March 2018.
According to Franklin Robotics, future features for the Tertill could include a motion-triggered reaction to scare away pests such as rats, or an artificial neural network to allow it to 'learn' to distinguish between weeds and other plants through experience.
Other Franklin Robotics products include Slugtaze, a slug-repellent plant collar also created by Joe Jones. This collar creates a low-voltage barrier that slugs and snails refuse to cross, meaning that slug pellets do not have to be used.

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Awesome artists from the land of berets and baguettes.
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Learn about the life stories of some of our favorite Instagram accounts! We're so lucky to have these bloggers, photographers, and fashion icons as part of the UNUM family, and so glad that our toolkit could help them grow.
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text: What's happening News Manoj Gadher fundraises for Trinity A huge thank you to Mr Manoj Gadher and his friends and family, who have raised £2,000 for Trinity in memory of his father Gordhan Gadher. Gordhan devoted his life to helping others, setting up his own charity Balvimaa which helped to alleviate poverty and illness in India, Africa and Indonesia. When Mr Gadher became ill with lymphoma cancer Manoj raised £18,000 with family and friends to help patients with a similar condition. £10,000 was given towards a bioimpedance machine for the Free Hospital in Hampstead, where his father was treated. Manoj split the remainder of the money raised among local and national charities, kindly donating to Trinity. He recently came to Trinity with fellow fundraiser Tony to present the fundraising team with a £,2000 cheque. We would like to thank Manoj for his generous donation to Trinity.


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Centre News
Jeri Howell '16 sings and strums her way into the spotlight
May 30, 2013 By Elizabeth Trollinger
release set for this summer. (Photo by Joa Brance McDaniel.)
Howell and members of the Kentucky Music Ensemble perform
on Centre's Festival Lawn during the Vice Presidential Debate.
She's opened for Dailey & Vincent. She's recorded music with such musicians as Jeff Ellis, Carla Glover and Molly Rogers. She has already recorded several singles and released one feature CD, with her second coming out this summer. And she's also a member of the Class of 2016 at Centre College. Soon enough, everyone will know her name: Jeri Howell.
Howell's upcoming CD, featuring all original songs she wrote, follows her 2008 debut, "Branch to Branch." The CD features long-time friend and Centre alumna Daphne Fields '01 on bass. As Howell explains, "She's been with me since the beginning. Her husband taught me how to play guitar, and she's been playing and singing harmonies with me ever since.
"This CD is a highly anticipated project that I've been working on for about a year with incredible Kentucky musicians, recorded and co-produced by Brandon Bowlds of Lexington," Howell adds. "It will be available at all of my shows, through iTunes and to order through my website."
Singing and songwriting have long been part of Howell's life.
"I remember my sister and I writing songs while we played on the swing set when I was six years old," she says. "I really got into 'old-time/mountain' music after attending Cowan Creek Mountain Music School— an amazing, weeklong music school in Whitesburg, Ky.—when I was ten years old. That's where I met the majority of the musicians that I play with today and who are on my new CD."
Howell recorded her first single, "Change Our Ways," in 2007 at 13 years old. Jeff Ellis, of Frankfort band Stirfry Mussette, was inspired to write the song for Howell after hearing her perform. Several years later, Howell and musician Carla Glover received a Master and Apprenticeship Grant from the Kentucky Arts Council and the National Endowment for the Arts.
"Carla, the 'master,' taught me, the 'apprentice,' about old-time singing, harmony, songwriting and stage performance—including clogging!" Howell says. "This was an amazing experience, and I learned a lot from Carla. She has taught me so much."
Recording her first album in 2008 took Howell to Nashville's Sunrise Studio, where she collaborated with a variety of artists. The record gained more traction than she had originally anticipated.
"Much to my surprise, the CD began selling throughout the U.S. and in seven European countries within its first year of release, thanks to online distributing sites such as CD Baby and iTunes," says Howell. "You can still purchase the album today on iTunes and at my shows—or if you run into me on campus!"
Earlier this year, Howell was featured on Stirfry Mussette's new album, "No String Unturned," along with Ben Sollee and Molly Rogers. The track "Love at Play" was co-written by Howell and guitar player Jeff Ellis.
Howell has already performed alongside some legends, but that doesn't stop her from dreaming big.
"I hope to keep performing, writing and recording my whole life, but I don't have the desire to get any 'bigger' than or even near as 'big' as, say, Gillian Welch. That being said, I'd love to just have a picnic with her and work through her songwriting brain and sing a couple harmonies together," Howell says. "I would probably faint from sheer happiness if I got to open for and sing with Brandi Carlile or Patty Griffin."
Songwriting comes naturally to Howell—in some ways, she feels that it's a gift.
"Singing and writing music have always seemed to be a part of me. When I write, it is usually because some experience in the past has dug deep into me, I've nurtured it every now and then with contemplation and recognition, and one day it just bursts to the surface and I get the immediate urge to write," she says. "That is almost always how my lyrics come about—it's as if I'm not really thinking about the words I'm writing, but that I'm the medium through which this feeling is recording its poetry. It's a very cool experience."
Living in the Bluegrass State has been beneficial and important to Howell's musical career.
"Kentucky is jam-packed full of incredible musicians. It blows my mind that I've had multiple opportunities to hang with Ben Sollee, and that Jordon Ellis is playing on this new CD of mine and continues to be an amazing friend in my life," Howell says. "We all seem to take care of each other. I know I can call up Carla or John Harrod '67 and chat with them for hours or ask them at the last minute to play a gig. We are really blessed here."
Howell specifically says the vibrant cultural scene of Frankfort, her hometown, has enriched her love of music.
"I have been incredibly blessed to grow up in a town that has a rich folk music community and has always fostered my development as a musical performer," she says, particularly crediting "the Folk Club of Frankfort, the Grand Theatre, the Kentucky Coffeetree Café and individual community members I have been able to open for—Ben Sollee, Sam Bush, Sara Watkins, Patrick Dethlefs, Robinella and Daryll Scott. I assume that it was partly because of these accomplishments that I got to open for Dailey & Vincent in Louisville."
With her first year at Centre drawing to a close, Howell greatly appreciates the musical opportunities offered at the College and what she has learned this year.
"The musical community at Centre is amazing, and they have nurtured me so much. Nathan Link and Dr. Conrad Shiba have made a huge impact on my positive experience at Centre, encouraging me musically and leading the Kentucky Music Ensemble," Howell says. "I've been fortunate to enter into a band with amazing student musicians and vocalists who are excited to learn new styles, create their own 'sound,' work out wicked cool harmonies, perform multiple shows and just goof around and have a good time. Also, music shows at the Norton Center and Club Weisiger knock my socks off.
"For me, music is about creation and community," Howell adds. "Centre really fosters this."
With her new CD on the horizon, Howell's plans for the future are big—yet easily attainable for someone with so much success to her name.
"My realistic aspirations right now are to eventually allot the time and accrue the resources to do a tour," she says. "Maybe it will be just one summer and maybe it will only be in Kentucky and the surrounding states, but I'll do it someday."
For more about Howell's music, click here.
Centre College, founded in 1819, is a nationally ranked liberal arts college in Danville, Ky. Centre hosted its second Vice Presidential Debate on 10.11.12, and remains the smallest college in the smallest town ever to host a general election debate. For more, click here.
Have comments, suggestions, or story ideas? E-mail firstname.lastname@example.com or contact the Communications Office at 859-238-5748.


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St Moritz celebrates 150 Years of Ski Tourism
It was 1864 when Thomas Cook first introduced adventurous English holidaymakers to Switzerland, but the history books are coloured more by what came next. It was then in the following September that Johannes Badrutt promised his sceptical summer guests in the Engadin Alps that they would also enjoy the region in winter — if they were bold enough to return. A legendary wager was then agreed upon. The hotelier would reimburse travel costs from London if St. Moritz didn't provide fun in the winter sun, and the guests could stay as long as they wished.
That was 150 years ago, and St. Moritz has long since forged its reputation as one of Europe's top winter destinations, replete with deluxe lodgings and fine dining, year-round. Now, the town is celebrating its wonderful heritage as the birthplace of European winter tourism with a host of exciting events. The festivities will begin to snowball from next month, when the Anniversary Kick-Off event takes place. December 5-7 will see teams compete in various traditional snow sports, with concerts and shows each evening. The following months will present visitors with highlights such as the Gourmet Festival (January 26-30) with 182 international master chefs from 30 nations cooking within the town's hotels.
The Snow Polo World Cup St. Moritz takes place from January 29 to February 1 and promises to offer an adrenalin packed competition for over 15,000 spectators. And for horse fans there will be the Alpine equine action, White Turf St. Moritz will take place on Sunday February 8 and on the following two Sundays. Dating back to 1907, this event takes place on the frozen Lake in St. Moritz. It is not just a horse-race meet. impressive steeds thunder across the hard ice in flambouyant races over a series of three events. Here we will see tough competitors pulled along on skis, testing the true horsepower of their trusted charges. Other celebratory events include the World and European Cup Bob and Skeleton on the Olympia Bob Run from January 12-25 and to mark 125 years of the sport, a dedicated bobsleigh Hall of Fame is due to open that month. So, if you are a lover of Alpine pursuits then St. Moritz is the place that you'll want to be this winter! I didn't mention the Apres Ski of course and the wonderful fun and frolics off piste! That is for another post!


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RICHMOND, Va. -- Three straight days of warmth with highs in the 70s will come to an end late Saturday as a strong cold front moves through the area.
Widely scattered thunderstorms will be possible ahead of the front during the afternoon and early evening. Timing for the Richmond metro area will be between about noon and 6 p.m., with a higher likelihood around mid-afternoon. These storms will be scattered, so not all areas will see them.
Photo Gallery
This storm system will produce a decent chance of some widespread severe weather on Friday from the Great Lakes down through the Ohio and Tennessee River valleys.
The energy and dynamics will not be as strong in Virginia on Saturday.
As of now, there is a marginal risk for a few stronger or severe storms from the metro and points northward. There is a better chance of seeing the stronger storms across northern Virginia.
The primary threat from these storms will be strong wind gusts. Storms will also contain lightning, locally heavy rainfall and perhaps some hail. With some shear and spin in the atmosphere, an isolated tornado cannot be ruled out. The chances of that are extremely low but not zero.
We will continue to update this forecast over the next 48 hours.
Stay With CBS 6, The Weather Authority
CBS 6 Storm Team Links:


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Hiro H.
Lesson Details
Hiro teaches
- Teaches students:
- Ages 5+ and special needs
- Teaching since:
- October 2013
Official US Chess Expert (2000 rating)
Active US Chess player.
USCF Local Tournament Director
Led my High School chess team to a 3rd place finish at our conference
2 time state medalist at first board, while finishing top 15 all 4 years of my High School at state.
2 time 1st place finisher at the Glenbard South Raider's tournament, the second largest High School tournament in IL
Chess Instructor *Individual contractor*Aug 2016 - Present
Teach elementary school children on how to play chess.
Assistant Chess CoachAug 2015 - Oct 2017
Assistant chess coach for Schaumburg High School
*Was on the team for four years
*Led my team to a school-best 3rd place finish at MSL Conference
Associates degreeAug 2015 - Jun 2017
High School DiplomaSep 2011 - Jun 2015
Mandarin Chinese
United States Chess FederationMar 2014
The United States Chess Federation (USCF) is the official, not-for-profit 501 (c)(3) US membership organization for chess players and chess supporters of all ages and strengths, from beginners to Grandmasters. Our mission is to empower people through chess one move at a time. Our vision is to enrich the lives of all persons and communities through increasing the play, study, and appreciation of the game of chess.+ Read More
13 ReviewsWrite a Review
Hiro is awsome with kids. He really puts in lot of efforts to explain things.
he is a rellay good chess teacher hook him up at hiro
Fantastic instructor, very patient with kids and explains very well. Highly recommend.
An understanding teacher and great role model.
taught basic chess playing skills to my 6 yr old son. Highly recommend.
Great experiance teaching to my son
It was a bit hard to schedule a lesson with him because of our work schedule and his school schedule. He did mention it was finals week for him so i understand. We actually lost track of time and spend an extra 30 mins playing! It was fun! And i will schedule another lesson soon!+ Read More
Hiro is great! He knows his chess and is an excellent patient teacher. Thank you Hiro.


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There have been endless conversations, many reported on TV or in newspapers, on the desire of Raiders owner Mark Davis to get a new stadium. Nowhere in any of this is any suggestion that the Raiders would pay for the stadium or even part of it, which is why it will never get done.
The NFL has a program which encourages teams to get public participation in their stadiums through a program which "lends" money to teams which secure a public involvement. The money is paid back with the visitor's share of tickets sold so it's really a gift to the team building the stadium.
That's why the 49ers worked so hard to get Santa Clara involved in their stadium. Santa Clara officials are already wondering about that deal because the 49ers have not been good neighbors. Wait until the Super Bowl is held there and Santa Clara gets stuck with huge cleanup bills and costs for extra police while all the best parties are held in San Francisco.
And, the TV shots will continue to be the Golden Gate Bridge and Coit Tower, both Santa Clara landmarks, of course.
But, I digress. Mark Davis really has no options. It would be stupid to move to that new stadium in Carson. Most of the Raiders fans from their time in Los Angeles are in jail. The Carson people obviously have no idea how NFL teams operate. The Chargers used that option to pressure San Diego to build a new stadium for them. If there are any fans who want to bring a team which is coming off 10 straight losing seasons to Carson, their voices have been very muted.
But in Oakland, the Raiders have a very loyal fan base, one which has created sellouts even while the team was losing. It isn't just noise, either, but the strong bond these fans feel. They are enthusiastic about spreading the word on social media.
They never had this kind of fan base in Los Angeles. I talked to the ticket manager on a couple of occasions and the answer was always the same: They had about 30,000 season ticket holders and that's what they drew for most games. For the big games, attendance would swell to 90,000 but overall, they were drawing less than the Raiders had drawn in what was than a 52,000-seat stadium in Oakland.
To get them back in 1994, Oakland and Alameda County residents agreed to an added tax which we (I live in Oakland) are still paying. That's the reason there won't be any public money for a new stadium.
There is one solution: Build a new park for the A's on that site. It would have to be privately financed because A's owners Lew Wolff and John Fisher only play with other people's money, but a baseball park can be built for perhaps 40 per cent of what it takes for a football stadium. There were Oakland businessmen willing to pay for a new park at Jack London Square, so perhaps they'd be willing to pay for this one.
Mark Davis's objection to the current stadium is that they play too many games with a dirt infield. Under former commissioner Bud Selig, that game was expanded so much that it will go into November this year! I hope they don't get snowed out.
If the Raiders didn't have to share the Coliseum, it would work fine for them. It doesn't have the fancy boxes of the new stadiums but that's not what Raiders fans want, anyway.
What do YOU think? Let me know!
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Nice to meet you!
How can we do business?
I enjoy working with investors, new and experienced. As a real estate mentor, I am proud to offer help and guidance to real estate investors. I offer several home study courses, and live events. For those wanting to be directly mentored by me, I only work with HomeVestors Franchisees. This is because you have to be willing to commit in this business. My franchisees attend a week of training in Dallas, and are personally mentored by me. I give complete access to me (my personal cell phone) and eleven years of forms, checklists, and contacts. I manage offices from coast to coast. I partner with other HomeVestors Development Agents in your local market, and guide them through the support you need. If you would like to talk to me about joining my team, please click here to contact me. Otherwise, if you would like access to my other training and events, please join my email list to your right, or register for an event.
HomeVestors offers two types of real estate franchise opportunities for people interested in building a business based on our real estate business franchise model. Our independently owned real estate franchise opportunities give our franchisees the power to independently operate their very own business.
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Real Estate Franchise Opportunities
HomeVestors of America, also known as We Buy Ugly Houses, offers a number of real estate franchise opportunities. Some people are interested in our business model because they want to buy investment properties. Other people want to take their real estate investing dreams further by becoming either an Associate real estate business franchise owner or even a Full HomeVestors of America franchise owner.
It does not matter what your goal is as far as the HomeVestors real estate business franchise at this point. We are just happy you are here to learn more and that you want to get into the real estate franchise business because it is an excellent way to build wealth and enjoy a life helping people and doing something you love.
HomeVestors Real Estate Business Franchise
There are so many great deals out there that it's common for our franchisees to buy more ugly houses than they have the ability to renovate and sell. This creates an outstanding opportunity for real estate investors looking to purchase excess properties from HomeVestors franchisees. Our real estate business franchisees work with investors in a number of ways.
Some investors just want to build a portfolio of rental homes. By letting HomeVestors franchisees know the types of properties you are looking for, we can help you locate properties that suit your needs, such as "full rehab homes" or just simple "paint and flooring replacement homes." Even if you are looking for a finished property (with or without a tenant), HomeVestors franchisees can help.
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Find out how you can start a real estate business with one of our real estate franchise opportunities!
HomeVestors of America, commonly known as We Buy Ugly Houses, is the number one home buyer in America. Since beginning its real estate business franchise in 1996, the We Buy Ugly Houses / HomeVestors franchise owners have purchased over 45,000 houses throughout the U.S. HomeVestors franchise owners pay cash for ugly homes whose owners are in difficult situations.
Our franchisees renovate houses and then sell or lease them. This process improves neighborhoods and offers great opportunities for first time buyers, renters and real estate investors. With approximately 300 franchisees independently operating in 33 states, We Buy Ugly Houses / HomeVestors commits itself to enforcing high ethical standards and strict systems that result in responsible business practices.
We are proud of the service we provide that helps homeowners and people who would like to start their own profitable real estate franchise business. Read some of our franchisee success stories.
Our HomeVestors Franchise Model
HomeVestors offers a low-cost franchise opportunity for investors interested in building a real estate business. Our unique model includes proprietary software that our franchisees use to assess homes for purchase and renovation. It also includes mass advertising billboard campaigns that achieve quick market awareness and direct selling programs that help franchisees identify and locate buyers and investors interested in specific neighborhoods.
With ongoing support from HomeVestors and our development agent mentors, people looking for business franchise opportunities can build wealth by purchasing houses at discount prices. Our franchisees either renovate and sell or renovate and rent properties they buy, which generates a positive cash flow and equity.
We Buy Ugly Houses / HomeVestors franchisees must complete our intensive training program. It incorporates all of our systems for buying homes as well as good business standards. Our franchisees learn how to deal with homeowners who may be in an ugly situation, how to explain our home buying process, and how to carry out as-is all cash buyout deals that create a profit for franchisees while helping a homeowner get out of an ugly house. Our franchisees learn all they need to know to successfully operate a real estate franchise.
Honors and Awards
- Entrepreneur Magazine has ranked HomeVestors of America on their "Franchise 500" list for five consecutive years. We have also been ranked on Entrepreneur Magazine's "Fastest Growing Franchises" for four consecutive years.
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As they dress Hilary Clinton's double up to look more and more like Ellen Degeneres, the stage is already set.
This baby killing pushing, gun grabbing, forced vaccinating, Orwellian, Fabian socialist on steroids that will do anything for money and more demonic power. So why do they glorify this degenerate and ram her down everyone's throat just because she is what, a woman? Is this the best woman for the job out of the 150 million plus women in the US? Can we at least get one with a functioning pineal gland and a conscience?
She is washed out spritually, she is washed out morally, she is washed out mentally, and obviously she is washed out physically. This is the final act in her handlers' Machiavellian performance. Hilary Clinton is almost done ladies and gentlemen, but not until they can use her one final time to wrap it all up and lock it all down. The legacy of the Clinton crime family spans decades and through their demonic influence on legislative enactment we have been bequeathed with the likes of the Telecom Act of 1996 that is directly responsible for the forced microwave irradiation of every man, woman and child in The United States. Bill Clinton's Hepatitis vaccine mandate for newborns was just designed to protect the pedophiles. It is all relative to Bill, a sexual predator who could never keep his hands of the merchandise.
Her reward for Bill Clinton's sorcery in destroying more of American's wealth than the great depression did by repealing Glass-Steagall and his complicity in the eugenics agendas not limited to being involved with the radiation biology programs he furthered along with the stroke of the presidential pen with his signing of the 1996 Telecom Act is this one last flash in the pan for a family steeped in utter shame and moral bankruptcy. After this, it will be over for the Clinton's except maybe for penicillin refills.
Once, Hilary is installed by the gatekeepers, coronated by the media and swallered by the dumb down masses, the veil will be lifted off of her decrepit state of being. She is unfit to even ride public transportation by herself, or even ride a bike much less run the United States. Yes once she is elected, she will be wheeled off and renditioned to a location uncertain and treated for all that incurably ails this degenerate, treasonous, vile, liar. That is the price to be paid when evil people allow themselves to be emptied so all that remains is relegation to an infamous political and spiritual vacuum.
This is the man that will be installed into the Masonically laid out District of Criminals' Capital AKA the "Whitehouse"
Ladies and gentlemen, Tim Kaine is the caped crusader for the mental illness revolution. This is designed to get us all diagnosed with mental illness, rope and tie us all up in the Murphy Bills, clamp down on us with Parens Patriae, and ram through an unprecedented scientific form of gun control to disarm us all and to convert us all into the largest heap of chattel property in human history slated for a total eugenics gulag.
Yes Tim Kaine is actually the stealth President and will be installed in the White house to continue to carry on the orders of the British Crown: the protected perpetuity of the central banking systems, the continued Jesuit Inquistion comprised of bombing innocent people back to the stone age, domestic eugenics such as baby killing, and of course a charted course of ever expanding gun grabbing while the government amasses billions of rounds of ammunition, and tens of thousands of armored bullet proof kiosks yielding an ever expanding domestic police state designed all for cramming us all into the Agenda 21 reservation of the surveillance forced vaccination scientific kill grid matrix of the compact city high rise housing model where the water is dosed, the cell towers beam through the walls and the scientifically crafted blue glue flicker rate manipulated idiot boxes that they call smart TV's tell you all how to think as they tell you Hillary is the best woman for the job, what drugs to ingest, what pills to pop, what injections to pump into your children, what fake slop to eat, what to get drunk on, and who or what to mate with. Don't worry, Kaine is a man for all walks, all lifestyles, all socio-economic strata, all seasons and all religions except for those that follow the Bible.
Tim Kaine is the embodiment of the ultimate hybridization of Bush's CIA directed foreign policy, Rumsfeld's uncanny fervor for war, William Kristol's ability to lay out the chessboard, Obama's radical social ecology, Cheney's love affair with the ever expanding military industrial complex's grip on the subjugates of The British Crown in all of its dark splendor, with the flavor and effervescence of Harvey Milk will be back dropped by a complete lack of the intentional ineptness from the likes of Hilary during her stint shaming the office she clutched with her disgusting claws.
Jesuit Trained, this Vatican warlock will turn the tables on morality as he openly vows to end traditional marriage even in his own church.
Married into the Department of Education, this military industrial complex illuminati operative of the crown will further the forced irradiation and sterilization of every school child in America with the forced wireless programs in all the schools while bolstering the forced vaccination agendas that are a pre requisite for school entry. This military industrial complex operative will turn the tables on economics, foreign policy, domestic tranquility and basic human rights while they wheel the corrupt, treasonous Clinton witch back to the barn for safekeeping.
Stronger together just like the Fasci-bound together and held together by brute force
The line between fascism and Fabian socialism is very thin ladies and gentlemen.
If my suspicions are correct, what this man will bring out of the closet with him will make the current Manchurian Candidate, Barry Soetoro illuminati Barrak Hussein Obamination look like Mother Theresa serving communion.
Folks this is the one who they will install to oversee the death of the dollar as the Global reserve currency status while false flags abroad and domestically will end the second amendment, suspend the Constitution and turn life in America as we know it into an early 1980's nightmare from the streets of Argentina combined with what is currently happening in Venequela.
The five year currency boost is almost over and a sack of beans will soon be required to obtain a sack of rice. Millions of Americans are crammed into compact cities where they have the ability to produce neither in addition to the fact that they are surrounded by meat eaters by the millions on all four sides.
You really think Mussolini with red hair is actually going to be allowed to reside at Pennsylvania Avenue? You know what? I could very well be wrong about this whole damn thing.


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SmirnovDesign participated in Saint Petersburg International Economic Forum that was held from 8th to 10th of June. In the course of the forum organised by the Ministry of Economic Development and Trade of Russia and held for the 11th time already 9 stands that exposed the most prominent for Russia economic themes were built on the site of the largest Saint Petersburg exhibition centre «Lenexpo».
Products designed by SmirnovDesign and produced by Russian manufacturers were exhibited at the stand of industrial design which draw much attention from the participants. The stand was divided into three parts: «history of design», «education» and «industrial design in Russia today».
«Industrial design in Russia today» was almost entirely represented by SmirnovDesign's work samples. Our experts introduced an ultrasonic medical device, Sitronics safety devices and many others.It is also worth mentioning that Bolzano Villetri one of the leaders in the field of acoustics presented its Hi-End acoustic system designed by SmirnovDesign as an example of Russian industrial design. The loudspeakers of Campanile series became, undoubtedly, the most popular showpiece of the stand and roused many positive feedback from the exhibition participants and visitors.
The stand dedicated to product design was positioned between plenary session hall and Sochi-2014 stand, but despite such notable "neighbours" draw attention of many guests. It was included into the itinerary of CSI presidents visiting the exhibition, as well as the president of the Russian Federation Vladimir Putin.
In all the Saint-Petersburg Forum was visited by representatves of 65 countries, around 9 thousand people including 9 presidents of different countries.
The participation in Saint Petersburg International Economic Forum by SmirnovDesign resulted into several big projects in the fields of medicine and instrumentation.


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From your first step into the house you are welcomed with warm woods and a carved black forest bear to hang your coat.
I think the bears are adorable found throughout the home, and the basket of big pinecones under the entry table is a warm natural accent reminiscent of the outdoors.
A stroll Thru Life
WOW The Scoop
We Are That Family ,City Farmhouse ,Beyond The Picket Fence ,


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Child Clown Shoes
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Send your child to flop around the big top with these child clown shoes! The shoes are a made of a flexible, red plastic material. Grooved details are etched into the fronts of the shoes and green laces tie on the top. Be sure to add a clown wig and a mini umbrella to your order!
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Environment and Climate Change
The department for Environment and Climate Change provides consultancy and training within the fields of environment, climate and energy, for clients in private and public sector in Norway and abroad. The department holds a staff of around 10 highly skilled experts with extensive experience from assignments for the industry sector, utility companies, governmental bodies and international financing institutions. Norsk Energi's international branch sorts under the department for Environment and Climate Change. Our project portfolio envelops a broad range of projects in a number of countries in Eastern Europe, Central and Eastern Asia and Africa.
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Senior consultant
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Request Free, One-on-one Academic Assessment
For Students Seeking Tutoring in Stafford, We Offer:
One-on-one learning with a certified private in-home tutor
Tutoring at your child's pace & schedule - available 7 days a week
Personalized instruction in the comfort of your home
Tutors that are highly-qualified K-12 and university educators
Our Programs
SchoolTutoring Academy's tutoring programs for Stafford students start with a free academic assessment with an Academic Director. Our flagship tutoring programs are available for $199.99/month which include regular one-on-one tutoring, academic mentorship, bi-monthly progress reports, learning profiles, and parental conference calls.
Stafford District Curriculum Used in Our In-Home Tutoring Programs
Stafford Municipal School District provides students with an education that prepares them for an ever-changing global community. The school uses the Texas Essential Knowledge and Skills as the foundation for this type of education, then they add the input from the faculty, families and communities. Technology also plays a large role in elementary school with students getting weekly time on laptops and tablets in order to practice 21st Century skills. In the high school, students learn more about technology in courses on programming, graphic design, coding and many other relevant skills.
We currently cover the following Stafford-area school district: Stafford Municipal School District.
Contact our Academic Directors at 1-877-545-7737 to Discuss your Child's Strengths and Areas for Improvement. Get started with Stafford Tutor Today.
A Parent Talks About Finding a Private, In-Home Tutor
Stafford Tutors Can Help Your Student Succeed
SchoolTutoring Academy works with young learners and students, all the way up through high school. We offer Pre-K and Kindergarten Tutoring as well as Elementary School Tutoring to build a strong learning foundation early on. We also offer comprehensive tutoring across all school subjects.
Math Tutoring | Science Tutoring | English Tutoring | Language Programs | Reading Tutoring | Writing Tutoring | SAT/ACT Prep
Our instructors hail from Harvard, Stanford, Duke and other top institutions
Our tutoring in Stafford capabilities are different from what you find in your neighborhood
Staff Tutors with Outstanding Credentials
Our educators have graduated from top academic institutions, and many of them have achieved in the 90th percentile or higher on standardized tests. Equally importantly, they enjoy coaching students across a variety of subject areas and standardized tests
Educators Beyond What You Find Down the Block
Students work collaboratively with their private tutor who is a top-notch college graduate well beyond the academic caliber that you'll typically find in your neighborhood
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Every student is paired up with both a private tutor and an Academic Director responsible for creating a comprehensive learning plan and constantly tweaking it to optimize for results
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With regular progress reports and archived copies of your lessons, you can easily track your progress and review concepts from past lessons
Meet Our Tutors
Each of them is highly-qualified K-12 and university educators
My name is Michelle O. and I am a certified Calculus Tutor from Bloomington,
My name is Davis H. and I am a certified English Tutor from Greenville, South Carolina.
My name is Jane W. and I am certified SAT/ACT Tutor from San Diego, California.
My name is Ken B. and I am a certified Math and Statistics Tutor from California.
My name is Kevin L. and I am a certified Social Studies Tutor from Guelph, Ontario.
My name is Daniel C. and I am a High School Math, English and Economics.
My name is Amy B. and I am a Math, English Tutor from Darlington, South Carolina.
My name is Owen M. and I am a Math, English, Languages, ACT Tutor from Dundas, Ontario.
My name is Daniel H. and I am an English, ACT, SAT, Social Studies Tutor from Broken Arrow, Oklahoma.
My name is Akosua A. and I am a Math, Science, English, ACT Tutor from Brampton, Ontario.
My name is Davis H. and I am a certified Math, Science, English Tutor from Greenville, South Carolina.
My name is Jania B. and I am a Math, English Tutor from Eight Mile, Alabama.
Educating Our Parents: Understanding the Stafford District Curriculum
Ecology and humanity are tied together in Environmental Science at Stafford Municipal School District. This begins when students compare how a plant grows in different environments in elementary school. They then learn about pollution and erosion, plus they find how man can help alleviate the problems from each of these. When they enter high school they find out about how these same factors can influence life that lives in the water, including microscopic plant and animals.
Reading is a part of the Language Arts curriculum at Stafford Municipal School District. Students learn how to read in the first few years of school. After this the students use reading to help further their education. They use literature to help them complete research, or to help them become better writers. By the time they graduate they will have used novels like "Odyssey" to learn how to complete character sketches, or how to use a book to compare renditions put forth by movies. They are able to read and share their reading through cartoons, dramas or through the use of flow charts.
Testimonials and Case Studies from Our Parents
SchoolTutoring Academy has played an important role in improving our son's confidence and attitude towards school. His grades have also improved steadily throughout the school year.
My daughter was very self-conscious about her difficulties with the math section of the SAT. SchoolTutoring Academy's Academic Directors created an action plan that boosted my daughter's score and confidence level.
SchoolTutoring Academy has not only improved my son's standardized test scores but also his high school math and English grades. Test Prep Academy has not only improved my son's standardized test scores but also his high school math and English grades.
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My son's math marks in high school have always been weak so I found it very beneficial that his ACT tutor worked on solidifying his fundamentals while prepping for the ACT.
SchoolTutoring Academy gave my daughter the confidence she needed to boost her SAT score Thank you!
SchoolTutoring has played an important role in improving our son's confidence and attitude towards school. His grades have also improved steadily throughout the school year.
My daughter was able to improve her test scores after a few months of tutoring with SchoolTutoring. However, while raising test scores is great, the real payoff is in the self-confidence that she gained.
I just wanted to send a quick note to say thank-you! My son is very impressed with his tutor and looks forward to each session. What's particularly amazing about this is our son has never really looked forward to math or school for that matter!
We are so happy with the results of your tutoring program and academic support. Homework time was such a stressful evening for the entire evening before we brought your tutors into our home. Thank you for all your help!
Our daughter, a first grader, struggled with basic reading and handwriting. When she began with SchoolTutoring she was almost a year behind her class. Within a year of being enrolled, she is reading above her grade level and has the confidence to match.
Work with our Stafford tutors to help your student succeed! Contact our Academic Directors Today at 1-877-545-7737.
Keeping Informed: Recent Stafford Educational News
- National Honor Society - The National Honor Society recognizes students that excel in various areas of their academic and social lives. Students are chosen for this organization on the way they demonstrate character, academic, leadership and service. Once admitted students are expected to maintain, or grow, in each of these areas.
- FFA Organization - FFA, at one time, stood for Future Farmers of America. Today it is opened to a wider variety of students. The main concern is that the students have a desire to have some kind of future in the many fields of agriculture. Whether students are interested in botany, veterinary science, farming or more, they are welcome to become a part of FFA.
- Texas Association of Future Educators - The Texas Association of Future Educators was organized to assist students that are interested in a future in education. Members are introduced to experts in the various areas of education, including preschool or one of the older grade-levels. They also learn some of the skills that are used in the fields of their choice through statewide or national meetings.
Chalk Talk: Third Grade Students
By the time a child enters third grade they will have worked on the basics in mathematics, reading and writing. To help understand what a child may need assistance with in this grade, parents need to know what is going to be taught. Standards may differ from state-to-state but overall students in this grade learn the same material. In reading class they begin to read from chapter books and begin to develop mental pictures of what they are reading. Parents should talk to students about what they are reading. Their writing skills are developed to the level of writing paragraphs, short essays and stories. Each of these will be created to make a point. Math introduces multiplication, fractions and decimals. To help them in this subject, show the child how each is applied to real-life by allowing them to add prices on a shopping trip, or divide a pie into fractional parts. Finally, in science and social studies, children begin to use their reading skills to help understand these subjects. To help them, explore the world of magazines in these areas and look at them together.


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Sesame seeds Black, white, red
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This interview took place yesterday on DemocracyNow.org and does the best job of explaining our current economy and the need to support farmers' markets. I highly recommend viewing it or reading the transcript.
David Korten: "Agenda for a New Economy: From Phantom Wealth to Real Wealth"
As President Barack Obama reveals more details of his $825 billion economic stimulus plan, DemocracyNow.org turns to David Korten of Bainbridge Island, WA and YES! Magazine. In his new book, Korten argues that the nation faces a monumental economic challenge that goes far beyond anything being discussed in Congress. He writes that now is an opportune moment to move forward an agenda to replace the failed money-serving institutions of our present economy with the institutions of a new economy dedicated to serving life.


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Top Ten Tuesday is hosted by The Broke and the Bookish. This week's topic: Top Ten Books I Wouldn't Mind Santa Bringing Me.
1. Frozen Heat by Richard Castle - I love the tv series, and the books are just as fun as the show. I showed great restraint in only getting the Season 4 dvds this fall.
2. Froi of the Exiles by Melina Marchetta - I loved Finnikin of the Rock when I listened to it this year. And since for some bloody reason the audiobook has not made it across the Pacific, I need this in print.
3. Reporting the Revolutionary War: Before it was History, It Was News by Todd Andrlik - I always loved the book of NY Times front pages we had as a kid, stealing dad's magnifying glass and reading as much of the articles as I could. This shouldn't be a surprise to my family.
4. The Iliad and The Odyssey by Homer - I feel deficient for not having read either of these yet.
5. Nefertiti and The Heretic Queen by Michelle Moran - I've loved Ancient Egypt since the fifth grade. I made elaborate tomb with a mummified Barbie for a school project. And I loved Moran's novels that I've read so far. I'd like Cleopatra's Daughter also, but I've read that and not these two, so they are more of a priority.
6. Firefly: A Celebration by Joss Whedon - Oh how I loved Firefly. I called home when in grad school to get my parents to record an episode (they were in a different time zone), because I missed it where I was (the horror!).
7. The Chronicles of Downton Abbey: A New Era - Love the series, and The World of Downton Abbey is just gorgeous.
8. The Time Traveller's Guide to Elizabethan England by Ian Mortimer - Loved the medieval one, but for some reason this has not been published this side of the pond D=
9. Queen of the Conqueror: The Life of Matilda, Wife of William I by Tracy Borman - this sound fascinating when discussed in the BBC History magazine some months ago.
10. Lionheart by Sharon Kay Penman - I loved how she wrote Richard in her Henry II/Eleanor of Aquitaine series. I think I've had a long enough break from the bad experience with Devil's Brood to pick up another of her books.


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Human centipede
Relatively tame, but amusing … roll on the sequel!
Family friendly version recreated in one shot:
Relatively tame, but amusing … roll on the sequel!
Family friendly version recreated in one shot:
This looks interesting… http://www.monitorpop-entertainment.de/?cat=products&id=121&subcat=103
did this one last year, but it's an OK one so thought I'd repost!
claro intelecto – back in the day
kevin gorman – shakey stripped
claude vonstroke – robag wruhme (mother jones remix)
deadbeat – boil
boys noize – jeffer (modeselektor remix)
mj cole – flux riddim
drums of death – breathe (drop the lime run ur pockets remix)
joy orbison – wet look
buckfunk 3000 – high volume (disco of doom remix)
martyn ft. space ape – is this insanity? (ben klock mix)
ghosts of tape – equator jam
spaceface – wrong turn
raffertie – sugar
cursor miner – mad cow (free range version)
dj zinc – 138 trek
michael forshaw – energise
reso – spooky
millie & andrea – spectral source
Carl Craig in 6mix on 6music right about now! Guess it'll be on archive for another week in case you missed it…
youtube got a link to some animation programs: http://www.youtube.com/create
so here's a bit of madness sampling what it can do 😀
Steamy brewery followed by free flowing ale sampling!
itching to get a copy of echolocations!
Read full review of Echolocations EP (Transparent Vinyl) – LONE on Boomkat.com ©
Would you get your pet stuffed when it dies? Was thinking our cats would be ripe for it when the time comes.
Admittedly, there's some pretty bad Frankenstein stuff such as: http://www.impactlab.net/wp-content/uploads/2009/07/twisted-taxidermy-thing1.jpg
…but also some rather fine work: http://files.dipdive.com/1243683222/mediaItem/38556/80039/Poker_Squirrels.jpg
stayhome and Oscar are discussing. Toggle Comments
Sleep deprivation :-/
Boston College, '91-92 – (Boston, Lincs. not Boston, MA.) – we had a quiet study room sectioned off in the library where we would often dare each other to sit down for a while and, without warning, erupt with some weird noise or creative Tourette's-like swears, or else throw ourselves down on the floor and fake a conniption, just to freak out the other students beavering away. The study room housed a music section – Genesis, Michael Bolton, Huey Lewis and the News, that era of rubbish. It was still all cassettes back then. And those crappy walkmans you got free when you signed up for a catalogue – or 'club book' in the old folks' parlance – and the orange muff earphone covers and the simple slidey mechanisms for adjusting the headphones if you had a big head, and you were really cool if your walkman had a built-in AM/FM radio, and when you hit on a station that broadcast in stereo a little LED went red, only the sound wasn't better as you expected, but lost in a messy fuzz of noise. So anyway I was bored one day and trawling the music section after some decent sounds, and I chanced across two tapes by Queen – 'A Night at the Opera' and 'Sheer Heart Attack,' – so I thought I'd give them a whirl…
I was reminded of that time recently, Queen playing in the car and it sparked a conversation about favourite tracks, and I could not for the life of me remember the album in mentioning 'Brighton Rock,' and it seemed neither of them had heard of it, so it was a little memory pocket the internet was able to clarify and put right later on. (All hail to the internet, this magic electronic box of commerce, porn, piracy and nostalgia!)
And there I was 17 years old again remembering how great those albums were – so many cheap Panasonic AA batteries I sacrificed in listening to them at all hours.
And I would go down to the local library and throw a conniption for old time's sake, but people no longer work there – it doesn't carry the same thrill. It's all self-checkout machines and dullards standing around them scratching their heads and looking confused. If I faked a conniption in front of a load of machines, I'd just look stupid, and in front of the customers, it wouldn't look out of place – happens all the time there. They hang around pretending to read for somewhere warm to spend the day without harassment. I could announce I was a 'Tenement Funster having a Sheer Heart Attack,' but none of them would get the joke.
Oscar and stayhome are discussing. Toggle Comments


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Your data is on our own standalone server in Melbourne (not shared with other companies) behind a secure firewall. Access to this information is restricted to users with the appropriate access levels within Timing Solutions and the organization that your data is affiliated with. We do not sell or release your information to any third party providers. Your information is only made available to a third party with your written consent.
Your data is backed up regularly on a separate and secure server which is also protected by a firewall. Access to this server is restricted to only designated Timing Solutions staff.
The offline applications provided by Timing Solutions are RaceHQ and CompetitonHQ. They sync athlete information from ResultsHQ to the local drive on that device. This information allows for results to be recorded against the athlete. It only syncs the following fields; the athletes Name, Age, Gender, Club, Athlete #, Personal Best results. This local data is encrypted to keep it secure. Access to RaceHQ and ComptetionHQ requires the appropriate user level provided by ResultsHQ.
Timing Solutions may be required to access your information to help with your support query's, to contact you relating to support or other reason. We will not use this information to send you unsolicited emails or marketing material.
Changing your contact details can be done from within your family portal. Otherwise the appropriate user at the organsiation you're affiliated with can perform this or a Timing Solutions support agent can do this for you.
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text: I can still hear Ashlee's giggle as she walked down the aisle. She had a smile from ear to ear and was so ridiculously excited to say her "I do's". Ashlee and Brian's wedding was a vision: the breathtaking bride, handsome groom, beautiful wedding party, with the white sand beach and gorgeous sea in the back ground. All these things made up the day that was theirs… and it could not have been any more special or perfect. Thank you for allowing me to be a part of it!!


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In a recent project I worked on, I ran across a pretty serious problem that seemingly had no solution. The problem was simple: I needed to copy a fairly large amount of table from a table in an SQL Server database to a table in an MS Access database. No matter which approach I followed, however, the speeds at which the copy was being executed were far too low and simply unacceptable.
My frame of reference was MS Access itself, which has the ability to import tables from an ODBC source. When I compared the time it took to perform this import, it consistently beat the other tests by a wide margin of at least twenty to one.
It sounds huge. I know. I do not have the exact times it took for each of the tests, but they were all much longer than doing a simple import through MS Access. The comparison tests I conducted were:
- Using Enterprise Manager
- Using SQL Server Management Studio
- Using SQL Server Information Services
- Using BCP (although this can only export to a text file or SQL Server binary file). The BCP process alone was able to match the time record achieved by the MS Access import, but useless since it could not export to MS Access.
The ultimate solution, then, was to find a way to have MS Access perform the copy all the while running within a C# project. The biggest problem with this was that including support for MS Access in a .NET project automatically means including COM, and a lot of people cringe at the thought. This article, then, discusses the implementation of an SQL server to MS Access copy process that is performed by MS Access, runs within a C# project, and minimizes the impact COM has on the overall application by using late binding.
Embedding a COM object in .NET
It isn't pretty, but it's possible. It will make your setup and installation more complex, but will add functionality that may otherwise not be available from within the .NET framework. The bottom line is that it is up to you on whether you want to include COM support in your project, and you'll have to weigh the pros and cons and then decide.
In my case, there wasn't much of a choice. I could either leave my project spic and span and let the copy take almost an hour, or find an elegant way to implement COM and shrink the copy process down to a couple of minutes. The choice was pretty clear.
There are basically two ways to use a COM object in your project:
Early binding
In this case, you add a reference to the COM object in question to your project, and benefit from the fact that Visual Studio can (in some cases) offer intellisense on the classes, methods and properties of this object. For screen controls, you also get the ability to add them to your forms in the screen designer. On the down side, however, you can no longer just copy the project files from your bin\debug or bin\release folder to another machine and run the program. You now need a setup project that will copy and register the COM controls on the target machine as well as copy your project files.
Late binding
If you are guaranteed that the COM object in question is already installed on the target computer, and can do away with such niceties as intellisense, you can write your code so that it hooks up to the already-installed COM control and use it in pretty much the same way. The down side, obviously, is that you are not guaranteed your code will always work (because you cannot be 100% certain the COM object is already installed on the target machine), and you will not have access to intellisense or the screen designer.
Importing a table
When importing a table into MS Access, the application lets you do so by going to File\Get external data\Import. You then choose a source such as an ODBC connection, select the database and table, and that's it. The table gets copied over (albeit without any keys or indexes, which you then have to rebuild).
This functionality is very much available through COM automation, and can therefore be used in a C# project. The problem is that the code is only available from within an Access module (although I'm sure one the readers will find a way to access this function directly from C#). So to get to it, you need to write a VB function that will import a table. The C# project will then need to load the Access database and execute the function which in turns performs the import.
The only drawback to this method is that it is not asynchronous (although you could add threading on the C# side) and has no way to indicate progress.
The VB function you'll need to put into MS Access is quite simple, and basically calls the TransferDatabase method by passing it a DSN (pointing to the source database), a source table name and target table name. The code is as follows:
Public Function Import(dsnName As String, sourceTableName As String, targetTableName As String)And then the C# code:
' if the table already existsm, delete it.
On Error GoTo CopyTable
DoCmd.DeleteObject acTable, targetTableName
DoCmd.TransferDatabase _
acImport, _
"ODBC Database", _
"ODBC;DSN=" + dsnName, _
acTable, _
sourceTableName, _
End Function
object accessObject = null;All we're doing here is creating an instance of Access.Application, opening a database, executing the VB module to perform the import, closing the database and cleaning up.
accessObject = Activator.CreateInstance(Type.GetTypeFromProgID("Access.Application"));
System.Reflection.BindingFlags.Default System.Reflection.BindingFlags.InvokeMethod,
new Object[] { "AccessDbase.mdb" });
System.Reflection.BindingFlags.Default System.Reflection.BindingFlags.InvokeMethod,
new Object[] { "Import", "DSN Name", "Source table name", "Target table name" });
System.Reflection.BindingFlags.Default System.Reflection.BindingFlags.InvokeMethod,
MessageBox.Show("Copy succeeded.");
catch (Exception ex)
string message = ex.Message;
while (ex.InnerException != null)
ex = ex.InnerException;
message += "\r\n----\r\n" + ex.Message;
if (accessObject != null)
accessObject = null;
Note that for the copy to work, you need to specify several pieces of information:
- The fully qualified name of the Access database
- The name of an ODBC DSN created in your control panel that points to the source database (i.e. where the table will be copied from)
- The name of the table as it appears in the source database
- The name you want to assign to the table once it's been copied (can be the same as the source).
Finally, it should be noted that the copy process creates the table with no keys or indexes, so these will have to be rebuilt after the copy is complete. This is very easily achieved, however, by executing SQL "ALTER TABLE " commands through ADO. There are plenty of articles out there that describe this so I won't get into it here.
Credits and further info
This article may not seem very big, but it is the culmination of a massive headache and lot of needle hunting (in a haystack of needles) on the net. I found several articles out there that helped out, and these are some of them:
http://www.thescripts.com/forum/thread255310.html - executing an MS Access module from C#
http://support.microsoft.com/kb/306683 - executing MS Access modules from within C#. Note that the method described here uses early binding, which means you're adding COM references to your project and you are therefore complicating your setup/installation package.
http://www.codeproject.com/cs/database/mdbcompact_latebind.asp - very good article by Alexander Yumashev describing how to compact and repair an MS Access database from within C#. More importantly, it overcomes the problem in the Microsoft article mentioned above by using late binding.
In conclusion
MS Access is being put out to pasture out for many good reasons, but it's still very much in use. So if you're one of those people who still has to copy large amounts of data from another database source to MS Access, need to do in a C# project, and want a clean way to do it, then I think this article will help. If you don't fall in that criteria, though, then I hope you at least had an interesting read and kept this in the back of your mind for future use.
A sample project is available for testing here: http://www.codeproject.com/useritems/MSAccessTableCopyInCSharp.asp


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Apple and Samsung are involved in patent lawsuits around the world, with each company accusing the other of infringing on patented designs and technology.
Earlier this week, HTC and Apple reached a settlement in their patent disputes, which had been running for two-and-a-half years. HTC is thought to have paid Apple between $5 and $20 per handset that it makes using Android, as part of a 10-year licence agreement.
Asked whether Samsung would seek a similar settlement, J K Shin, head of mobile for Samsung, said: "We have no such intention."
In August, Samsung lost a US patent case to Apple and was ordered to pay its rival $1.05bn in damages for copying features of the iPad and iPhone in its Galaxy range of devices. Samsung, which is the world's top mobile phone maker, is appealing the ruling.
A similar case, in Britain, found in Samsung's favour and ordered Apple to publish an apology making clear that the Korean firm had not copied its iPad when designing its own devices.
Apple has had some victories in cases in Germany but has also seen patent cases dismissed in Japan and the Netherlands in recent months. Further lawsuits are expected to follow, with the two firms challenging each other in more than 10 countries.


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Product Description
The scent of sweet creamy coconut that will have you thinking of the beach, waves, and the beautiful skies.
Coconut Salt Scrub
Made with pure Coconut oil, Dead Sea Salt, and Coconut Fragrance Oils.
Can be used on hands, body, and feet! Wooden spoon included with order!
Directions for use:
Gently stir contents. Apply portion on skin and rub in for at least 10 seconds. Rinse off with warm water and pat dry.
* Avoid on sensitive areas.
* Use cautions in shower and on slippery surfaces.
* Not intended to cure or treat any skin issues.


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Cone Marshall is an international New Zealand Trust, Estate, and Tax Law Firm. The principals in this firm are Karen Marshall and Geoffrey Cone. Established in 1999, this firm is located in Auckland, at the Parnell House, Level 3, Auckland 1151, New Zealand. They may be contacted at +64 9 307 3950 or on the web at http://www.conemarshall.com. Karen Marshall worked in London for a total of ten years in the Commercial Litigation department of a law firm. In 2006, she became an advisor to statutory trustee companies at Cone Marshall. She has a wide range of experience in managing trusts.
Geoffrey Cone has provided tax planning and international trust management services since 1980. The company assists in the establishing of trusts, partnerships, companies, global wealth and tax planning advice. An article in May of 2016 referred to this firm as "the best of New Zealand's tax lawyers." The increase in the number of foreign trusts in New Zealand was addressed by Mr. Cone with the statement: "The reason that there has been such strong recent growth in the number of foreign trusts administered [here] is that New Zealand is internationally recognized as a safe, stable and high quality jurisdiction with good laws, a well-regarded judiciary and substantial legal and professional infrastructure. Our reputation as a safe place to base one's assets is positive for New Zealand's global reputation." Mr. Cone adheres to high principles regarding tax and trust transparency and provides their clients with only trusted advice.
According to a list maintained by OECD, New Zealand is not a tax haven. What New Zealand has done, is show leadership in how it handles foreign trusts and trustee requirements. In 2006, Michael Cullen passed a law stating New Zealand resident trustees of foreign trusts must submit a Foreign Trust Disclosure form and keep financial records for tax purposes. These records must be kept in New Zealand and recorded in English or penalties apply. This was further enhanced by the 2011 enactment of world standard money laundering legislation.
New Zealand has 39 double tax agreements to reduce tax impediments and assist in preventing tax evasion or avoidance. They also have more than 20 tax information agreements with other countries. They have signed up to a multilateral Convention on Mutual Administrative Assistance in Tax Matters. None of these actions in any way represent a tax haven.
Visit Cone Marshall's official website to learn more about the firm: http://www.conemarshall.com


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Red Scarf Revolution is a proud participant of Spaceworks Tacoma.
Currently Red Scarf Revolution products can only be purchased online and has been growing steadily since 2013. As a platform for dialogue, arts, film, and community awareness of history, we feel that it's time to fulfill the vision of Red Scarf Revolution as a physical entity.
Red Scarf Revolution's space will consist of a genocide museum outlining the history of Cambodia's tragic past, an art space, a community gathering place, and a retail space for Red Scarf Revolution products along with other clothing brands that will be sourced nationwide. The goal is to provide an alternative social gathering space for the community at large to come together and build.
With the guidance of Spaceworks Tacoma, we feel that this is the time to take a leap into fulfilling the vision.
Spaceworks Tacoma is a joint initiative of the City of Tacoma and the Tacoma-Pierce County Chamber designed to activate empty storefronts and vacant space. The initiative makes no- and low-cost temporary space, training, and technical assistance available to artists, creative entrepreneurs, organizations, and community groups who are transforming Tacoma into an economically stronger and more culturally vibrant city.
Please visit Spacework Tacoma's website for more info: spaceworkstacoma.com


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NBA Star Derrick Rose is being accused of gang-raping his ex-girlfriend with two of his friends.
A woman who claims to be an ex-girlfriend of the Chicago Bulls player says she was drugged and gang raped by Rose and his friends in 2013.
TMZ reports that the woman is identified as "Jane Doe" in the lawsuit. She stated that she and Rose dated from 2011 until 2013, with the alleged sexual assault taking place in August 2013. In the documents, the plaintiff claimed that Derrick Rose, his personal manager Randall Hampton and pal Ryan Allen slipped drugs into her drink with the aim of raping her. She added that she was able to escape and return home, but Rose and the two guys allegedly broke into her apartment and gang raped her while she was incapacitated.
Jane Doe said she only decided to tell her story two years later because she was "ashamed and embarrassed" of what happened and was concerned her "conservative family" would find out.
Derrick Rose has not responded to the allegations.
Photos by: WENN.com


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Chol Park, owner of Park Medical Billing, has over 15 years of experience in the field of IT as a senior project manager and owner of a thriving medical practice. After having faced the many challenges of medical billing, he was able to identify those associated with the in-house billing process. He quickly recognized the need for intuitive reporting that provides a better insight into the financial health of the business.It also led him to the development of a technology solution that simplifies and improves medical billing and collection.
Certified as a qualified third party billing company by New Jersey Department of Banking and Insurance.
Through high-level data mining, intuitive reporting, and aggressive claim follow-up, our HIPAA -compliant billing service recover your uncollected money. Our custom technology streamlines the billing process by automating data entry of both charges and patient information while empowering you to make strategic financial decisions.
Now that you've made the choice to outsource your practice's medical billing, its time to choose the company that best suits your needs. Here are just a few reasons why Park Medical Billing is the right choice:
Experienced Personnel
By combining over 25 years of medical billing and 15 years of IT (Information Technology) experience, we ensure that all your claims are submitted correctly, each and every time. This combination of the latest technology with manual claims review gets your claims approved and paid in a timely manner.
Increased Revenue
Park Medical Billing can increase your revenue by::
- Fast Turnaround: Claims submitted on paper can have a turnaround time of up to 60 to 90 days for completion, creating serious outstanding receivables for any practice. Claims that are submitted electronically through our billing software are usually processed and paid within 2- 3 weeks… Unlike in- house paper billing systems, which can result in claims going unpaid for months, we can help you achieve a steady, consistent flow of payments!
- Streamlined Follow-Up: Our system of payment reports keeps us informed on a claim's status, making it possible for us to follow up consistently with insurance providers until your claim is paid.
- Useful Online Reports: With our reporting tools, you get a clearer view into practice operations and revenue cycle management. Online reporting capabilities are focused on increasing your bottom line and giving revenue control back to your practice.
- Lower Costs: Outsourcing your medical billing decreases office overhead.
Customized Online Report
As part of our medical billing services, we offer a multitude of fully customized, easy-to- read reports for your practice. These reports offer a clear analysis of revenue cycle management, provider performance, insurance reimbursements, and more, while using interactive charting.
- Our online reports are specifically designed to give enhanced visibility of your operations at the click of a button. They are user friendly and grant instant access to data so you can immediately track performance and make qualified decisions.
- You can analyze payments by carrier, provider, location, procedure, diagnosis, timeframe, etc. There are currently many reports to choose from, as well as customizable reports that replace the static reports generated by typical billing software.
More Productive and Happier Staff
Doing your own medical billing usually means that other staff members have to assist in resolving billing issues, which takes away from the time they should be spending with patients. Letting us handle your billing will create a happier and more productive staff, which in turn means happier patients, who will continue to visit your practice.
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Motion to assist Scholar at Risk Bashana Abeywardena passed at Council
A motion, proposed by Trinity College Dublin Students' Union (TCDSU) President Kieran McNulty and seconded by Ents Officer Padraic Rowley has mandated the union to give €6,000 to Scholar at Risk, Bashana Abeywarden, to help cover his fees and accommodation for attending Trinity. The motion noted "that the SU is mandated to help Scholars at Risk," […]
DU Dance win Linklaters competition
Linklaters have announced that DU Dance have won their annual "Pitch Your Ambition" competition, winning a prize of £5,000 which they will put towards practice spaces. DU Dance has struggled to find a suitable space to practise this year as its original space, Regent House, has been unavailable for use during its redevelopment as a tourist centre. […]
First ever joint Trinity News and University Times hustings takes place
The first ever media hustings, co-hosted by Trinity News and the University Times, took place tonight in the Lloyd Institute. The second hustings of the election campaign for the Trinity College Dublin Students' Union (TCDSU) sabbatical officer positions saw the twelve candidates – in the races of President, Welfare, Education, Entertainment, Communications and Marketing and the University […]
Students must show solidarity with Trade Unions
For the first time in years Trinity faces the prospect of industrial action. The current impasse between non-academic staff and College could be ended through a negotiated settlement; however, we cannot ignore the important implications of the policies College has been pursuing. Our article reports claims of an unofficial policy of replacing permanent positions […]
Motion to be brought to TCDSU Council on disability rights
A motion will be brought to Trinity College Dublin Students' Union (TCDSU) by a group of students in Hilary term to pressure the government to ratify the UN Convention of Rights for Persons with Disabilities (UNCRPD). Ireland signed up to the framework in 2007, but remains the only European country not to make it legally […]
1990s volume of 'Trinity Tales' launched in Long Room
Last night saw the launch of the fourth volume of Trinity Tales, a series of books detailing life in College through contributions from various alumni. Each book is based around a decade, with the first dealing with the 1960s. Published by The Lilliput Press, this volume was edited by Catherine Heaney and has contributions from […]
Hist bare all with opening debate of the year
Hist welcome popular Irish comedian Katherine Lynch for 'Free the Nipple' debate.
Phil comedy debate starts year with laughter
GMB welcomes students & comedians who 'do it for the likes.'
What Netanyahu's victory says about Israeli politics
The results of the Israeli election put the final nail in the coffin of the idea that a just peace between Israel and the Palestinians is possible through goodwill.
The reconfiguration of Irish politics has already happened
With polls indicating that a left-right divide has finally emerged in Ireland, the time is right for a broad alliance of progressive forces.


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Buddy 'Nature Boy' Landel Dead: NWA Wrestling Legend Dies At 53
How heartbreaking. The wrestling world has suffered another tragedy. Buddy 'Nature Boy' Landel, the flamboyant wrestler who wowed fans of the National Wrestling Alliance in the 1980's, died on June 22. He was 53.
Oh no. Wrestling fans are once again in mourning as Buddy Landel (real named William Ansor,) the blonde pro-wrestling icon who called himself "Nature Boy," has died. The legend of the NWA passed away on June 22. He was just 53! So sad.
Buddy died in his sleep while at his Chilhowie, Virginia, reports Us Weekly, just one day after the National Wrestling Alliance superstar was involved in a car crash. He was released by the hospital, and his wife, Donna, reportedly found him dead on June 22.
Known for wrestling in glittery robes and having long, blonde hair, Buddy held many championships during his legendary in-ring career, including the NWA Mid-America Heavyweight Championship four times!
He made his debut in 1979, rising to prominence with his wrestling skill. He was both loved and hated by fans. Buddy captured the NWA National Championship by defeating Terry Taylor at Starcade in 1985. In a legendary match, Buddy faced the rival "Nature Boy," Ric Flair, in a "Battle of the Nature Boys" in 1990.
Buddy wrested in the WWE a couple times in the mid-1990s. The company released a statement, saying that the "WWE is saddened to learn the passing of William Ansor, aka "Nature Boy" Buddy Landel." Former WWE head trainer, Dr. Tom Prichard told Knoxnews.com that "He had 'It,' " and that "when he walked into a room, he was loud and funny and you knew he was there. He was extremely talented and did a good job being the 'Nature Boy,' in and out of the ring."
'Nature Boy' Buddy Landel: A Life
Buddy was born in Knoxville, Tennessee. He got interested in wrestling when his sister started dating pro-wrestler Barry Orton. Buddy wrestled in high school and transitioned into pro-wrestling in the late 70's. After wrestling in many regional promotions, Buddy joined the NWA in 1985. He would depart from the NWA shortly afterward, returning to the promotion in 1990. In 2011, Buddy was inducted to the Legends Pro Wrestling Hall of Fame. Buddy is survived by his wife of 34 years, Donna, his two daughters and grandson.
Our thoughts and prayers go out to Buddy's family and friends during this time of loss.
— Jason Brow


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Koch event drawing 2016 hopefuls Rubio, Paul, Cruz, Walker
FILE - In this Aug. 30, 2013 file photo, David Koch speaks in Orlando, Fla. Florida Sen. Marco Rubio seems to be moving toward a bid for the Republicans' presidential nomination, and late Sunday he joins Sens. Ted Cruz of Texas and Rand Paul of Kentucky for an audience with the conservative billionaire Koch brothers. (AP Photo/Phelan M. Ebenhack, File)